Dear Debt, It’s Time to Move On

by Melanie November 9, 2015

Dear Debt,

How many seconds, days, months do we have left together? You know you’re on your way out and you’re trying to test me.

You want to make things hard for me. You want to see me squirm as I try to stay strong and get rid of you. You keep playing mind games with me, but I know you are just messing with me, because you’re the one scared of being alone.

I won’t deal with your crap any longer. I don’t care whatever you throw my way in the next few months, but I’m kicking you out.

Even if it’s the hardest thing I’ve ever had to do.

I am saying no to the depression you cause me. I am saying no to the anxiety and fear you have instilled in me.

I know I’m worth so much more than you ever had me believe. You did a good job of convincing me I was worthless, but I’ve gotten smart.

If there’s one thing I know about you, it is that you’re sneaky. You like to play tricks. But I’m done with playing games. You are a man-child and need to grow up.

I am older and wiser and I have changed, but you’re still the immature child I met when I was 17.

It’s time for me to move on and experience real life. Real adulthood. Not some stunted adolescence.

Good riddance.

Author
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Melanie

Melanie Lockert is the founder of the blog and author of the book, Dear Debt. Through her blog, she chronicled her journey out of $81,000 in student loan debt. She is also the co-founder of the Lola Retreat, which helps bold women face their fears, own their dreams and figure out a plan to be in control of their finances. She is passionate about empowering women, helping others get out of debt, and focuses on the intersection of debt and mental health. Every September she organizes a Suicide Prevention Awareness Blog Tour, to help share resources for those struggling with debt and suicide. In addition to her love of personal finance, art and music, she is also a karaoke master and a cat mom to Miles and Thelonious.

10 comments

Sarah Noelle @ The Yachtless November 9, 2015 - 4:40 am

Yes, good riddance!
You know, I hadn’t really thought of debt as keeping me in a sort of adolescence before, but that actually resonates very strongly — I do sort of feel like I’m not yet a full adult because I have this debt hanging over my head. Of course that’s not *really* true, but it does feel that way sometimes. Good point. So good riddance to the debt, AND to that feeling! 🙂

Melanie November 9, 2015 - 10:57 am

Totally! I still feel like a teenager financially…

Natalie @ Financegirl November 9, 2015 - 6:16 am

Love your debt letters. This one seems to suggest you’re saying bye… are you done with your student loan debt?!

Melanie November 9, 2015 - 10:56 am

Not yet! Life has just felt tough lately and I’m staying strong and letting debt know he’s still on his way out 😉

Tonya@Budget and the Beach November 9, 2015 - 11:34 am

I can’t wait for that day for you Melanie! We’ll have a big ol’ (frugal) party! 🙂

Melanie November 10, 2015 - 3:35 pm

Me either. I can’t wait to have a party 😉

Shannon @ Financially Blonde November 9, 2015 - 4:04 pm

I love this Melanie! I know when times get tough that it’s definitely easy to think that maybe you should delay some of your goals or admit defeat but you have come too far to slow down right before the finish line. Keep fighting the good fight!

Melanie November 10, 2015 - 3:33 pm

Yes, now is NOT the time to give up.

Laurie @thefrugalfarmer November 10, 2015 - 6:34 am

Inspiring as usual, Melanie! Stand strong, my friend. YOU GOT THIS..

Melanie November 10, 2015 - 3:32 pm

Thanks, friend!

Dear Debt, It’s Time to Move On

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